☆ Service introduction Fund fixed investment plan refers to the business in which investors subscribe for a certain fund product sold by a bank at a fixed time and a fixed amount within a certain investment period.

To put it simply, it is a kind of fund financial management business similar to the bank's small deposit withdrawal.

After you activate fixed investment in funds, our bank's system will automatically deduct monthly payments based on the deduction amount and investment period you applied for.

Starting from the second month after you open the fund fixed investment business, our bank's system will automatically start debiting funds on the first day of each month based on the amount and years you applied for. If the account balance is insufficient, the debits will continue on the next day.

The minimum monthly investment deduction amount is only 200 yuan.

Trading hours, transaction fees, purchase prices, and fund redemptions are generally the same as normal subscriptions.

The fund fixed investment plan has the following advantages: 1. Use the average cost method to dilute investment costs and reduce investment risks. For a single investment, a regular fixed amount is a medium- and long-term investment method, with fixed monthly deductions, regardless of market ups and downs, so you don’t have to worry about making a choice.

When entering the market, use the long-term averaging method to reduce costs.

Similar to a bank's lump sum withdrawal, no matter how the market fluctuates, you buy a fixed amount of funds regularly; when the net value of the fund rises, you buy fewer units; conversely, when the net value of the fund falls, you buy more units.

In the long run, costs and risks will naturally be reduced.

2. There is no need to consider the timing of investment. The key to investing is to "buy low and sell high." However, few people can grasp the best buying and selling points to make profits when investing. The main reason is that ordinary people often fall into the trap of investing.

The blind spot of "chasing the high and killing the low" is that when the market is in a downturn, even if investors know that it is a time to enter the market, the market will also fall into a pessimistic atmosphere, which discourages many investors;

Similarly, when the market index is at a high level and the stock price hits new highs, many people will not be able to resist investing their money in the stock market again even if they have already made profits, and new funds will continue to pour in, creating a warm investment atmosphere.

, making it difficult to rationally judge the investment market.

Therefore, in order to avoid such artificial and subjective judgments, investors can invest in the stock market through a "fixed investment plan" without having to care about the time of entry, market prices, or changing long-term investment decisions due to short-term fluctuations in the stock market.

3. Accumulate small amounts to make big investments. "Don't put all your eggs in the same basket" is an important rule to diversify investment risks. However, when funds are limited, investing in blue chip stocks in different industries requires a huge amount of investment.

funds.

Since the fund itself pools everyone's funds for investment, fund investors can diversify very small investment funds into different stock investments.

When investing in funds through fixed investment, the funds required are even lower, with a minimum of only 200 yuan per month. Investors can also increase the regular fixed amount of investment when their income increases in the future, depending on their own situation, which is very important.

Suitable for office workers or those with a fixed monthly income.

4. The compound interest effect is considerable in the long term. The income of the "fixed investment plan" is a compound interest effect. The interest generated by the principal is added to the principal to continue to derive income. Through the effect of adding interest to interest, the compound interest effect becomes more obvious as time goes by.

The compound interest effect of fixed investment takes a long time to fully manifest, so it should not be terminated casually due to short-term market fluctuations.

As long as the long-term prospects are good, the short-term market decline is an opportunity to accumulate more cheap units. Once the market rebounds, the long-term accumulated units can be profited at once.

The financial management goal is to raise medium and long-term children’s education funds and retirement funds.

☆Fast service features: simple procedures and automatic deductions.

After you apply once, the bank will automatically transfer the funds every month, so you don’t have to consider the time of subscription, which greatly facilitates your investment.

Second low: low starting point and low risk.

The minimum subscription amount for fixed-term fund investment is only 200 yuan per month, which will not place an excessive financial burden on you.

A fixed amount of investment is made every month. When the net value of the fund falls, more fund shares are purchased; when the net value of the fund rises, fewer fund shares are purchased, which results in the effect of evenly spreading investment costs and reducing risks.

Three more: persist in saving and accumulate less to make more; expert financial management and benefit a lot; ICBC services are more convenient.

Persist in saving and accumulate less to make more: The key reason why fund fixed investment can achieve the financial management goal of "small accumulation, large wealth" is that its compound interest effect is higher than that of various savings deposits and treasury bonds.

Expert financial management, benefiting a lot: The launch of fund fixed investment has fulfilled the financial management needs of our bank’s customers to participate in fund investment with a smaller amount.

The fund products selected by our bank's fund fixed investment business all have outstanding investment performance or distinctive product characteristics. Choosing such selected mature products will bring you more benefits.

Moreover, the investment income you receive from participating in fixed investment funds is completely tax-free.

ICBC services are more convenient: At present, other domestic agency agencies can only transfer funds on a certain day of each month. Our bank allows customers to decide on different transfer days each month. The transfer is more flexible and provides you with personalized services.

investment and financial services.

☆"Fund Fixed Investment" product list☆Service channels Our bank's business outlets and online banking can handle the "Fund Fixed Investment" business.